On-vehicle information terminal and information distribution system

An on-vehicle information terminal includes a traffic information obtaining means 15 for obtaining traffic information including at least either weather information or event information through wireless communication, a decision-making means 10 for making a decision, based upon at least either the weather information or the event information, as to whether or not telematics information provided by a distribution server 5 via a mobile communication network 4 is to be downloaded, and a download means 2 for downloading the telematics information via the mobile communication network 4 if the decision-making means 10 has determined that the telematics information is to be downloaded.